SmartDispute.ai is do-it-yourself dispute software. It imports your Equifax, Experian, and TransUnion credit reports, compares them side by side, finds items that look inaccurate or inconsistent, and drafts a suggested dispute for each one. You review and change the letters, then mail them yourself or ask us to mail them for free. SmartDispute.ai tracks each round and suggests the next dispute when it’s due.
This guide explains how it works, what it costs, what it can’t do, and where to find help with each part of the app.
Key Takeaways
- SmartDispute.ai is software, not a credit repair organization. You decide what to dispute and send the letters.
- It costs $49 a month through SmartMonitor.ai, which provides your three-bureau reports, with unlimited disputes.
- Disputes go by mail, and our team will mail them for free if you ask.
- Each new round is due 35 days after you mail the last one.
- No one can guarantee deletions or score changes, and SmartDispute.ai doesn’t.
How SmartDispute.ai Works, Step by Step
- Get your reports. You create a free SmartDispute.ai account and a SmartMonitor.ai membership, which verifies your identity with the bureaus and delivers your three reports. Here’s how to get started.
- Review your Smart Report. Your three reports appear side by side, sorted into categories such as late payments, collections, charge-offs, inquiries, and public records. Here’s how to read your Smart Report.
- Create disputes. The patented Smart Dispute System® compares each account across the bureaus, ranks the dispute opportunities it finds, and suggests a dispute for each account you choose. You can change any dispute reason. Here’s how to create and track disputes.
- Mail your letters. Print and mail them, or email [email protected] and we’ll mail them for free. Here’s how mailing works.
- Track results and follow up. Mark your letters as sent in Smart Track. Your reports update monthly, and when an item comes back verified, SmartDispute.ai suggests a different dispute for the next round, due 35 days after you mailed the last one.
Who Do the Letters Go To?
To the credit bureaus. For inquiries, round one goes to the company that requested your report, and round two goes to the bureau 35 days later with the first letter attached. Direct disputes to the reporting company for other categories are coming soon. Here’s how the credit dispute process works.
What Does SmartDispute.ai Cost?
$49 a month, billed by SmartMonitor.ai. That includes your three-bureau reports and VantageScore 3.0 scores, credit monitoring, unlimited disputes, free mailing on request, and support. Creating an account is free, and there’s no free trial. You can cancel anytime at SmartMonitor.ai. Here’s how billing and cancellation work.
What SmartDispute.ai Can and Can’t Do
| SmartDispute.ai can | SmartDispute.ai can’t |
|---|---|
| Compare your three reports and flag differences between bureaus | Remove information that’s accurate |
| Suggest a specific dispute for each account, with varied wording | Guarantee deletions or a score increase |
| Space your rounds and suggest the next dispute when it’s due | Make the bureaus investigate faster than the law allows |
| Mail your letters for free when you ask | Dispute by email or file disputes in your name without your review |
Help Center
| If you want to | Read |
|---|---|
| Create your account and link your reports | Getting Started With SmartDispute.ai |
| Understand billing, change your card, or cancel | Your SmartDispute.ai Membership |
| Find your way around the Dashboard and My Account | Your Dashboard and My Account |
| Read every tab and field in your Smart Report | Reading Your Smart Report |
| Create, edit, and track disputes | Creating and Tracking Disputes |
| Mail your letters or request free mailing | Mailing Your Dispute Letters |
| Fix a login, report, billing, or identity problem | Fix Common SmartDispute.ai Problems |
| Get a quick answer | SmartDispute.ai FAQs |
Frequently Asked Questions
Is SmartDispute.ai a credit repair company?
No. SmartDispute.ai is software that suggests disputes. You’re responsible for your letters and free to change them, and you decide what to send.
How long does it take to see results?
Bureaus generally have 30 days to investigate a dispute, or up to 45 if you send more information. Most people need more than one round, and results depend on whether the information is actually inaccurate.
Can I dispute online or by email instead?
SmartDispute.ai disputes go by mail, so you can explain each error in your own words and keep a paper trail. None of the three bureaus accepts disputes by email.
What if I’ve already disputed on my own?
You can still use SmartDispute.ai. It looks at what your reports show now and suggests disputes based on that data.
Is there a demo or a video tour?
No. We don’t offer a live demo or a free trial, and we replaced our videos with written guides that we keep up to date as the app changes. The guides in the Help Center table above walk through each part of SmartDispute.ai. If you have questions before you sign up, chat with us or email [email protected].
Need Help?
Contact us by chat, by email at [email protected], by phone at (910) 597-2636 Monday through Friday from 9 a.m. to 5 p.m. Eastern Time, or on Facebook Messenger.